SoFi Credit Card Review
SoFi · SoFi members who want 2% everywhere with crypto redemption
4.1 / 5 (2345 reviews)
Annual Fee
No annual fee
Rewards
2% unlimited (via SoFi accounts) or 1% anywhere
Regular APR
18.49% – 27.49%
Credit Needed
Good (670-749)
Our Expert Verdict
7/10
Editor's Score
SoFi's fintech credit card offers an impressive 2% unlimited cashback when you redeem into a SoFi checking/savings account or invest it (including crypto). No annual fee, no FTF, no late fees, and no BT fees — the fee structure is the cleanest in the market. You can buy crypto directly with your rewards.
Pros
- 2% unlimited cashback
- Zero fees across the board
- Redeem into crypto/investing
- Cell phone protection
Cons
- 2% requires SoFi ecosystem
- No sign-up bonus
- 1% if redeeming elsewhere
- Mastercard acceptance gaps
Key Benefits & Perks
2% cash back into SoFi accounts
No annual fee
No foreign transaction fees
No late fees
No balance transfer fees
Cell phone protection
Ready to apply for the SoFi Credit Card?
SoFi members who want 2% everywhere with crypto redemption
Apply NowUser Reviews
Customer Reviews
4.1
2,345 reviews
5
0
4
0
3
0
2
0
1
0
No reviews yet. Be the first to review this card.
Similar Cards to Consider
Key Benefits
Travel (Chase)5%
Dining3%
Drugstores3%
Everything else1.5%
No Annual Fee$200 bonus
Key Benefits
Dining3%
Entertainment3%
Groceries3%
Everything else1%
No Annual Fee$200 bonusNo FTF
